Individual - Family dental insurance plan help and information -
InsuranceCompany.com is a specialist in dental insurance and dental
discount plans, vision and prescription
coverage programs for individuals, families and groups. We
have been serving the
dental insurance community since 1983, you will find our
licensed dental insurance agents are well informed and ready to assist
you.

Compare individual dental insurance plans and decide which one is right for you and
your family.
Many of our dental plans have next day benefits including vision and
prescription.InsuranceCompany.com offers quotes for
individual and family dental insurance plans including an option to compare
dental national coverage plans.
Remember, buying individual dental insurance does not have to be a painful process.

We offer individual and family
dental insurance benefit coverage in all 50 states. Insurance company is a
national leader of individual dental health and related products with an e-market place
to compare affordable dental insurance from the
nations largest
dental companies.

These insurance plans, also known as "capitation plans," operate
like their medical HMO cousins. This
type of dental plan provides a comprehensive dental care to enrolled
patients through designated provider office (dentist).

A Dental Health
Maintenance Organization (DHMO) is a common example of a capitation
plan. The dentist is paid on a per capita (per person) basis rather than
for actual treatment provided.

Participating dentists receive
a fixes monthly fee based on the number of patients assigned to the
office. In addition to premiums, client co-payments may be required for
each visit. Some typical features of these plans:

- Monthly premiums (some
require you to prepay a year's worth)

- Co-payments for office
visits

- Free preventive or routine
care

- You must select from an
approved network of dentists

- May have an initial
enrollment fee

- Annual dollar cap

- Your average monthly cost:
$25 to $45

- Companies selling these
plans are regulated by state insurance departments.

Paying the DentistWhen choosing a benefits plan, it
is important to know who pays what to whom. Dental plans can
be categorized into three types based on the compensation and
treatment provided...

Understanding the various types of
individual and family dental
insurance and dental discount plans is important when trying to buy
the right plan.

Finding the
right value in individual dental insurance or dental plans is an important step
in purchasing dental coverage for you and your family.

Both types of
individual dental plans have advantages and disadvantages and one size does not
fit everyone. Keeping this in mind is an important rule when you shop
for the dental plan that best fits your needs.

We sell both
individual and family dental insurance and dental discount plans
throughout all 50 states. Here are some brief examples that may help
you decide.

Indemnity - Individual Dental Insurance

This is the plan where
you choose your own dentist. The dental insurance plan pays the dental office (dentist) on a
traditional fee-for-service basis. A monthly premium is paid by the
client and/or the employer to an insurance company, which then
reimburses the dental office (dentist) for the services rendered.

An
insurance company usually pays between 50% - 80% of the dental office
(dentist) fees for a covered procedures; the remaining 20% - 50% is
paid by the client. These plans often have a pre-determined or set
deductible amount which varies from plan to plan. Indemnity plans also
can limit the amount of services covered within a given year and pay the
dentist based on a variety of fee schedules.
Some typical features of these plans:

Companies selling these plans are
regulated by state insurance departments.

Individual
Dental Discount

You will want to use
caution with this type of dental plan since it is not insurance. The managing organizations have
negotiated with local dental offices to establish a set price for a
particular dental procedure and offer deep discounts (some up to 70%)
off the regular ADA pricing code.

This plan has
several advantages over traditional dental insurance plans, namely, there
are no exclusions for pre-existing conditions. This allows a patient to
receive immediate coverage for work without meeting any waiting period
requirements.

Learning About Dental PPO's

Preferred Provider Organizations

Another true insurance plan, a
Preferred provider organizations ( PPO) falls somewhere between an indemnity
plan and a dental HMO. This plan allows a particular group of patients to receive dental care
from a defined panel of dentists.

The participating dentist agrees to
charge less than usual fees to this specific patient base, providing
savings for the plan purchaser. If the patient chooses to see a dentist
who is not designated as a "preferred provider," that patient
may be required to pay a greater share of the fee-for-service.

A group of dentists agrees to provide services at a
deeply discounted rate, giving you substantial savings — as long as you
stay in their network. Unlike the more restrictive DHMO, though, you can
go out of network and still receive some benefits. Some typical features
of these plans:

Monthly premiums

Annual dollar cap

You must stay within the
approved network of dentists or pay higher deductibles and co-payments

Your average monthly cost:
$20-25

Companies selling these
plans are regulated by state insurance departments.

Dental Insurance - Plans
and Benefits

It is our
pledge to provide individuals and families with the easiest way to
compare and purchase affordable, quality family and individual dental
insurance and discount protection.

How
Individual Dental
Insurance Works - Dental insurance works similar to how health
insurance works. Dentists participating in a network agree to
perform services for patients at pre-negotiated rates and usually will
submit the claim to the dental insurance company for you.

Our
individual discount dental
plans may be used as alternatives to dental insurance options or along
with existing dental insurance plans for even more savings on most
dental care procedures.

Individual
discount dental plans are dental insurance alternatives that offer
attractive dental care savings. Most people that have an
individual or family dental insurance plan have it provided to them
under an employer-sponsored group dental insurance plan.

Other
people may have an individual health insurance plan in which dental
insurance is a supplemental option available to them through the same
insurance company.

Regardless
of the type of individual dental insurance you have, you should consider the
different individual health insurance options available to you as
either an affordable replacement to your current plan or a supplement
for additional coverage.

When shopping for
individual, family or group dental insurance quotes, always review the
dental plan coverage description thoroughly for any variations in
coverage levels. Compare dental insurance plans and decide which one
is right for you and your family. We offer individual dental insurance benefit
coverage in all 50 states. Student dental insurance is one of the
most affordable insurance plans available.

Dental Insurance Plan
Types: Similar to medical insurance plans, dental insurance plans are
often categorized as either Indemnity or managed-care plans. Dental
insurance functions in the similar manner to that of an auto insurance
in providing you compensation. Dental Insurance Plan Choices -
Indemnity Plan: An indemnity dental insurance plan allows you to
select your own dentist.

Dental
health is extremely important for individuals and families and it’s
financially helpful to have some form of dental coverage to minimize
the costs of dental care.

Popular
individual dental
insurance companies - Aetna, Delta Dental sell these plans. Root canals
can cost a fortune and dental insurance can help reduce how much you
pay. Understanding the various types of individual and family dental
insurance and dental discount plans is important when trying to buy
the right plan.

We sell
both individual and family dental insurance and dental discount plans
throughout all 50 states. This plan has several advantages over
traditional dental insurance plans, namely, there are no exclusions
for pre-existing conditions.

Choosing a Dentist Dental benefits plans can be categorized by the
options offered for selecting a dentist. Some
plans allow you the freedom to choose your own dentist...

Direct Reimbursement Plans

A dental care plan now coming into vogue is the direct reimbursement plan.
This is a self-funded benefit plan — not insurance — in which an
employer pays for dental care with its own funds, rather than paying
premiums to an insurance company or third-party administrator. You, the
patient, pay the full amount directly to the dentist, then get a receipt
detailing services rendered and the cost, which you show to your employer.
The employer reimburses you for part or all of the dental costs, depending
on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental
expenses and then 80 percent of the next $500, and 50 percent of the next
$2,000, with a total annual maximum benefit of $1,500. Or it might
reimburse only 50 percent of your first $1,000, resulting in a $500 yearly
cap.
Some typical features of a direct reimbursement plan:

Some typical features of a direct reimbursement plan:

Neither you nor your
employer pay monthly premiums

Freedom to choose any
dentist

Typical employer cost:
depends on the number of employees and

benefit caps

Benefits usually capped at
$500 to $2,000 annually.

Annual Benefits To help contain costs, your plan may limit your
benefits by number of procedures and/or dollar amount in a
given year. In most cases, particularly if you've been getting
regular preventive care, these
limitations allow for adequate coverage...

Getting the Most out of Your Dental PlanTo take full advantage of your
dental benefits plan, visit the dentist regularly and get
the preventive care that will keep your mouth healthy...

All Dental Plans have their LimitationsToday's health insurance, including your
dental plan, is designed to help you get the care you need at
a reasonable cost. Because
each person's oral health is different, costs can vary widely.
To control dental treatment costs...

This site has up-to-date
information on individual and family dental, offices, companies,
dentists, and coverage for babies, children, kids, teenagers, young
adults, adults, retirees and more. Find the right dental insurance for
you by entering your zip code. Family dental insurance plan is a very great way to cover your family,
at reduced costs. If we are unable to offer a dental insurance plan,
we will provide a dental discount plan, if available, and clearly
state it. A dental insurance policy may help considerably with the
costs, often paying 100% of the expense of preventive
benefits.

With dental insurance
plans for you and your family, we can help make it easier to keep your
smile healthy. Our individual dental insurance plans provide you with
the coverage you need to promote good dental health. We feature a
wide variety of dental insurance plans. Some dental plans are
administered by Delta Dental Insurance Company, part of the nation’s
oldest and largest dental benefits system.

For your dental health,
you need to take care of two things -- Your daily dental teeth care: A
well planned dental insurance plan. We will provide you with that
information, what are the most affordable dental insurance plans
around, making terms such as insurance quotes, direct reimbursement,
family discount options, financial availability and premium capitation
a breeze. There is a difference between traditional dental insurance
plans and discount plans.

Dental Insurance Disclosure

The dental insurance programs listed are
based upon the zip code you entered and their availability. If we are
unable to offer a dental insurance plan, we will provide a dental
discount plan, if available, and clearly state it. Please be sure to
contact the plan dental office to confirm they are accepting new
patients and they are accepting the dental plan you have selected. If
you have any dental plan questions please feel free to
contact our office during
regular business hours. You will find our licensed insurance agents ready to
assist you.

Our dental web site is very clear if you are
selecting a dental insurance plan or a dental discount plan. We
understand that there are many dental plan web sites popping-up all over
the internet, claiming to offer "dental insurance" when in fact they do
not and are not licensed to offer a dental insurance plan. If you find a
site that says they offer dental insurance, they are "required" to show
their insurance license information on the web site, as noted at the
bottom of this page.

If they don't, then report them to your
local state department of insurance. If you find a dental web site
stating they offer "dental insurance" and in fact they don't, then take
the opportunity to report that site to the search engine you found them
on. Our
entire staff is licensed to offer, sell and service dental insurance.
Always ask to speak with a licensed insurance agent. Ask them if they
are licensed. Full disclosure is our guarantee...

This is not an attempt to
describe the product coverage and its' contents but merely used as a sales
tool for the purpose of product illustration. The website and its' owners
cannot make recommendations as to whether any illustrated product may meet
the users' particular needs. Therefore, the suitability of the product is
the final determination of the user of this website. The use of this
website is acceptance of the sites' privacy statement. Coverage is not in
effect until an application is signed, transmitted, payment received and
approved by the underwriting company unless otherwise specifically stated.
A physical and/or background inspection may be done to verify the
information provided. The quote(s) will be based up on the underwriting
information you supplied and the quote(s) is/are subject to change upon
inspection and review by the underwriting company. The underwriting
company reserves the right to determine the final coverage, premium and
acceptability If you have any questions regarding the information
collected, please contact the agency. All quotes are
provided by DEL AMO Insurance Services, Inc,. DBA: InsComp Insurance Services and/or one of
it's affiliated agents, brokers, agencies, brokerages, and/or companies
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